FinLocker, a leading financial fitness and homeownership platform, announced the issuance of its eighth U.S. patent (US12288174B2), reinforcing the company’s leadership in secure, personalized financial readiness solutions. This latest patent builds on the foundational 2016 application (US9672487B1), culminating in a long-term innovation roadmap aimed at empowering consumers with greater control, clarity, and confidence in their financial journeys.
The new patent covers advanced methods for providing intelligent, personalized guidance to users within the FinLocker platform. It enables dynamic dashboards that adapt based on real-time inputs from external financial data sources, offering users a clear path to achieving milestones such as mortgage readiness, debt reduction, and savings goals.
“Our latest patent represents the capstone of a journey that began nearly a decade ago with the vision of giving consumers transparency and control over their financial data,” said Bryan Garcia, Chief Technology Officer at FinLocker, who now holds eight patents with the company. “It creates a seamless, intelligent bridge between borrowers and lenders by giving both parties a transparent, real-time view of mortgage readiness milestones using AI to personalize the user experience in ways that are both secure and impactful.”
Key capabilities protected under the patent include:
- An AI-generated financial readiness summary tailored to individual users
- A personalized, step-by-step guide that evolves with changes in credit reports, bank data, or other third-party inputs
- Real-time goal tracking with visual readiness indicators
- Workflow visibility for sensitive data, detailing access, changes, and responsible parties
“This patent directly reflects the evolution of the FinLocker product,” said Andria Thomas, Chief Product Officer at FinLocker, who earned her second patent with this milestone. “Our customers now receive a smart, personalized experience that adjusts dynamically based on their financial behavior and external updates, removing guesswork from big financial decisions.”
The underlying technology also includes advanced artificial intelligence components, developed under the guidance of Princewill Okorie, FinLocker’s Machine Learning Engineer and Technical Lead.
“This is my first patent with FinLocker, and it’s exciting to see our applied AI work recognized at this level,” said Okorie. “We engineered models that analyze real-time financial data to not just interpret readiness but to predict outcomes and recommend the next best actions for consumers. It’s where financial technology meets real-life decision support.”
The issuance of US12288174B2 affirms FinLocker’s ongoing commitment to privacy-centric innovation, transparency, and consumer empowerment. The company continues to build a robust IP portfolio designed to support secure, data-driven financial experiences at scale.
Patent Information:
US12288174B2 – Systems and/or methods for providing enhanced control over and visibility into workflows where potentially sensitive data is processed
About FinLocker
FinLocker is a homeownership-focused financial fitness platform that empowers consumers with the tools to build credit, manage finances, and achieve mortgage eligibility. FinLocker is trusted by mortgage lenders, banks, and fintechs to engage, educate and empower consumers to achieve their financial milestones and deliver well-prepared, confident borrowers.